The idea
Instead of locking one rate for seven years, a ladder splits the money across 3-, 5-, and 7-year MYGAs so a slice matures — and can be re-priced — on a schedule.
Why it helps
- Reduces the bet on any single rate environment
- Creates predictable liquidity windows without surrender charges
- Keeps the average yield competitive across cycles
As always: surrender schedules, carrier strength, and tax treatment first.
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